CN117455676A - Abnormal transaction processing method, device, equipment and storage medium - Google Patents
Abnormal transaction processing method, device, equipment and storage medium Download PDFInfo
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Abstract
The application provides an abnormal transaction processing method, device, equipment and storage medium, and relates to the field of financial science and technology or other related fields. The method comprises the following steps: determining transaction related information of abnormal transactions in response to occurrence of the abnormal transactions; the transaction related information comprises a transaction type, a source website identifier for initiating an abnormal transaction, and an initial account for hanging up the abnormal funds of the abnormal transaction; determining a target account corresponding to the abnormal funds according to the transaction type of the abnormal transaction; clearing the abnormal funds from the initial account to the target account; and opening the processing authority of the target processing personnel corresponding to the source website to the target account, and informing the target processing personnel corresponding to the source website to process the abnormal funds. The method improves the processing speed of abnormal fund account-hanging, avoids the retention of the funds of the clients and ensures the user experience.
Description
Technical Field
The present disclosure relates to the field of financial science and technology, and more particularly, to a method, apparatus, device, and storage medium for processing abnormal transactions.
Background
In the commercial bank, the funds transaction takes the borrowing and lending as accounting symbols, accounting is respectively carried out in the accounts of the transaction parties according to the transaction rules of the borrowing and lending and the lending are matched, and then the funds are cleared through the internal accounts of the bank, so that the funds transfer of the transaction parties is realized. However, in the actual funds transaction process, the transaction is completed due to the influence of objective factors such as incorrect transaction information, unstable communication and the like, but the actual funds are not successfully cleared to the target account, at this time, the commercial bank will hang the actual funds and wait for subsequent processing.
Currently, since commercial banks have a large number of internal accounts, each internal account has different levels and clearing ranges, and funds clearing for one transaction may involve a plurality of internal accounts, for the funds to be cleared, only staff can comb each clearing step from the source of the funds transaction, and a great deal of time and effort are consumed to determine the clearing step with abnormality, the cause of abnormality, and the like, and then the clearing steps are processed. After determining the abnormal clearing step, the account-hanging funds can be processed after applying the authority to the upper level branch due to the processing authority problem of different internal accounts, which results in long processing time of the account-hanging funds, customer funds retention and influence on user experience.
Disclosure of Invention
The application provides an abnormal transaction processing method, device, equipment and storage medium, which are used for solving the technical problems of long processing time of account-hanging funds, tributary of customer funds and influence on user experience in the prior art.
In a first aspect, the present application provides an abnormal transaction processing method, including:
determining transaction related information of abnormal transactions in response to occurrence of the abnormal transactions; the transaction related information comprises a transaction type, a source website identification for initiating abnormal transaction and an initial account for hanging up abnormal funds of the abnormal transaction;
determining a target account corresponding to the abnormal funds according to the transaction type of the abnormal transaction;
clearing the abnormal funds from the initial account to the target account;
and opening the processing authority of the target processing personnel corresponding to the source website to the target account, and informing the target processing personnel corresponding to the source website to process the abnormal funds.
In a second aspect, the present application provides an abnormal transaction processing apparatus, comprising:
the acquisition module is used for responding to abnormal transaction and determining transaction related information of abnormal transaction; the transaction related information comprises a transaction type, a source website identification for initiating abnormal transaction and an initial account for hanging up abnormal funds of the abnormal transaction;
The determining module is used for determining a target account corresponding to the abnormal funds according to the transaction type of the abnormal transaction;
a clearing module for clearing the abnormal funds from the initial account to the target account;
and the notification module is used for opening the processing authority of the target processing personnel corresponding to the source website to the target account, and notifying the target processing personnel corresponding to the source website to process the abnormal funds.
In a third aspect, the present application provides a funds clearing apparatus comprising a memory, a processor, and a transceiver;
the memory, the processor, and the transceiver circuitry are interconnected;
the memory stores computer-executable instructions;
the transceiver is used for receiving and transmitting data;
the processor executes computer-executable instructions stored in the memory to implement the method as described in the first aspect.
In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions for performing the method according to the first aspect when executed by a processor.
In a fifth aspect, the present application provides a computer program product comprising a computer program for implementing the method according to the first aspect when the computer program is executed by a processor.
The abnormal transaction processing method, the device, the equipment and the storage medium determine transaction related information of abnormal transactions by responding to the occurrence of the abnormal transactions; the transaction related information comprises a transaction type, a source website identification for initiating abnormal transaction and an initial account for hanging up abnormal funds of the abnormal transaction; determining a target account corresponding to the abnormal funds according to the transaction type of the abnormal transaction; clearing the abnormal funds from the initial account to the target account; and opening the processing authority of the target processing personnel corresponding to the source website to the target account, and informing the target processing personnel corresponding to the source website to process the abnormal funds. When the transaction is abnormal, abnormal funds are cleared from the initial account to the target account, so that the abnormal funds cannot cause problems in account clearing of the initial account, the target account is used for processing the abnormal funds, a target processor corresponding to a source website does not have serious risk of funds loss after processing permission of the target account is opened, meanwhile, staff is informed of processing the account-clearing funds, the staff does not need to apply permission, abnormal funds can be processed rapidly, processing speed of abnormal funds account-clearing is improved, customer funds retention is avoided, and user experience is guaranteed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.
Fig. 1 is an application scenario diagram of an abnormal transaction processing method provided in an embodiment of the present application;
FIG. 2 is a flowchart of an abnormal transaction processing method according to an embodiment of the present disclosure;
FIG. 3 is a flowchart of an abnormal transaction processing method according to a second embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of an abnormal transaction processing apparatus according to a third embodiment of the present application;
fig. 5 is a schematic structural diagram of a funds clearing apparatus according to a fourth embodiment of the present application.
Specific embodiments thereof have been shown by way of example in the drawings and will herein be described in more detail. These drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but to illustrate the concepts of the present application to those skilled in the art by reference to specific embodiments.
Detailed Description
Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples are not representative of all implementations consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present application as detailed in the accompanying claims.
It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or fully authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards, and provide corresponding operation entries for the user to select authorization or rejection.
It should be noted that the method, apparatus, device and storage medium for processing abnormal transaction of the present application may be used in the field of financial science and technology, and may also be used in any field other than the financial field, and the application field of the method, apparatus, device and storage medium for processing abnormal transaction is not limited in the present application.
The prior art to which the present application relates will be first described.
The fund transaction in the commercial bank takes the borrowing and lending as accounting symbols, accounts are respectively calculated in the accounts of the transaction parties according to the transaction rules of the borrowing and lending and the lending and conforming, and then the fund is cleared through the internal fund account of the bank, so that the fund transfer of the transaction parties is realized. The asset account and the liability account have fixed balance lending directions, and the asset and liability co-accounts have definite balance directions on a certain date, and are either lenders or lenders. The occurrence of one term involves the separate accounting of the debit and credit account. If the debit account is an asset class, the account balance is increased after the transaction, otherwise the balance is decreased. If the credit account is an asset class, the account balance is decreased after the transaction, otherwise the balance is increased. When a customer performs business transaction, the business bank records account balance through an internal accounting entry, wherein the accounting entry is aimed at the same accounting entity and the same accounting cycle. An accounting entry may be made into multiple accounts, but the lender occurrence must add up equally to the total amount generated by the transaction.
When a business bank processes customer business, the transaction amount is processed as a 'to-be-processed settlement money' for the situation that funds cannot be cleared to a designated account due to some reasons and actual business already occurs. The act of the commercial bank processing the transaction amount as "pending settled funds" may be referred to as a checkout.
After each accounting period is finished, the commercial bank calculates the accounting entry of the internal fund account, if the borrowers are unequal in amount, the transaction is abnormal, and the commercial bank is required to find the funds which are checked out in a query running water mode and the like, and then the funds are processed.
However, commercial banks have large numbers of internal funds accounts, multiple levels, and varying accounting ranges. Physical branch, clearing branch, general clearing center and the like all have own fund accounts, and manage the accounts and process fund transfer in different modes, and different branch authorities are controlled in a specified range so as to avoid serious fund loss and reputation risk caused by poor management. Therefore, abnormal transactions are determined through accounting of the website on the internal fund account, time and effort are consumed, the abnormal transactions are easy to be missed, and authority is sometimes applied to the upper level distribution when the account is processed, so that the problems of account-hanging overtime processing, customer fund retention and influence on user experience are caused.
When facing the problems in the prior art, the inventor finds that if a staff for processing the account can have the authority of an internal account, the processing time of the account-hanging funds can be reduced, the processing efficiency of the account-hanging funds can be improved, the conditions of account-hanging overtime processing and customer funds retention can be reduced, and the user experience can be improved. In order to ensure the safety of the internal funds account, when abnormal transaction occurs, the abnormal funds can be cleared to the target account, so that the authority of the target account is opened for the staff, and the staff is informed to process the account funds.
In summary, the inventor proposes a technical scheme of the application, and transaction related information of abnormal transactions is determined by responding to the occurrence of the abnormal transactions; the transaction related information comprises a transaction type, a source website identifier for initiating an abnormal transaction, and an initial account for hanging up the abnormal funds of the abnormal transaction; determining a target account corresponding to the abnormal funds according to the transaction type of the abnormal transaction; clearing the abnormal funds from the initial account to the target account; and opening the processing authority of the target processing personnel corresponding to the source website to the target account, and informing the target processing personnel corresponding to the source website to process the abnormal funds. When the transaction is abnormal, abnormal funds are cleared from the initial account to the target account, so that the abnormal funds cannot cause problems in account clearing of the initial account, the target account is used for processing the abnormal funds, after a target processor corresponding to a source website opens the processing authority of the target account, the risk of serious funds loss does not exist, meanwhile, staff is informed to process the account-clearing funds, the staff does not need to apply the authority, the abnormal funds can be processed rapidly, the processing speed of abnormal funds account-clearing is improved, the retention of the client funds is avoided, and the user experience is ensured.
The abnormal transaction processing method, device, equipment and storage medium provided by the application aim to solve the technical problems in the prior art. The following describes the technical solutions of the present application and how the technical solutions of the present application solve the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments.
The method, the device, the equipment and the network architecture and application scene of the storage medium for processing the abnormal transaction provided by the embodiment of the application are described below. When the following description refers to the accompanying drawings, the same data in different drawings represents the same or similar elements, unless otherwise indicated.
Fig. 1 is an application scenario diagram of an abnormal transaction processing method provided in an embodiment of the present application. As shown in fig. 1, an application scenario of the abnormal transaction processing method provided in the embodiment of the present application includes: a funds clearing facility 10, a first work facility 11 for a targeted processor. The funds clearing device is in communication with the first working device 11.
The asset clearing device 10 performs a funds clearing in an internal account of the commercial bank based on the transaction information to effect a funds transfer between the transaction parties.
In response to the transaction being abnormal, the funds clearing device 10 determines transaction-related information for the abnormal transaction; the transaction-related information includes the transaction type, the source site identification that originated the abnormal transaction, and the initial account of hanging where the abnormal funds of the abnormal transaction are located.
The funds clearing device 10 determines a target account for the abnormal funds based on the transaction type of the abnormal transaction.
The funds clearing device 10 clears the abnormal funds from the primary account to the target account.
The funds clearing device 10 opens the processing authority of the target processor corresponding to the source website to the target account, and notifies the target processor corresponding to the source website to process the abnormal funds. As shown in fig. 1, the funds clearing device may send an abnormal funds processing prompt to the first work device 11 to notify the target processing personnel to process the abnormal funds.
Embodiments of the present application will be described below with reference to the accompanying drawings. The embodiments described in the examples below do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present application as detailed in the accompanying claims.
Example 1
Fig. 2 is a flowchart of an abnormal transaction processing method according to an embodiment of the present application. As shown in fig. 2, the execution subject of the present application is an abnormal transaction processing apparatus, which is located in the funds clearing device. The abnormal transaction processing method provided in the present embodiment includes steps 201 to 204.
Step 201, in response to the occurrence of abnormality in the transaction, determining transaction related information of the abnormal transaction; the transaction-related information includes the transaction type, the source site identification that originated the abnormal transaction, and the initial account of hanging where the abnormal funds of the abnormal transaction are located.
In this embodiment, the funds clearing device is configured to clear funds of the transaction in an internal account of the commercial bank, so as to implement funds transfer between the two parties of the transaction.
Illustratively, a first user handles a transfer service at a first website, transfers 100 elements in the first account thereof to a second account of a second user, the first account of the first user belongs to the first website, and the second account of the second user belongs to the second website. The first dot and the second dot are not identical accounting dots. At this time, the funds clearing device carries out deduction processing of the borrowing of the balance of the first account, and simultaneously, temporarily inserts the deduction into the to-be-cleared same-city-to-city internal user A of the first network point; and (3) lending the to-be-cleared same-city business inner user B at the second website, deducting the transaction amount, and putting the transaction amount into the second account. And between the to-be-cleared co-town and past internal user A of the first network point and the to-be-cleared co-town and past internal user B of the second network point, the fund clearing equipment carries out deduction processing of borrowing on the to-be-cleared co-town and past internal user A, deducts transaction amount, and puts the transaction amount into the to-be-cleared co-town and past internal user B, at the moment, the balance of the first account is reduced, the balance of the second account is increased, transfer transaction is normally completed, the to-be-cleared co-town and past internal user A and the to-be-cleared co-town and past internal user B are in a borrowing balance state, and the sum of the borrowing and past is equal.
If the processing of borrowing by the family-to-business internal user B to be cleared fails, the funds transfer to the second account fails, and at the moment, the family-to-business internal user A to be cleared returns the transaction amount to the first account, if the first account is set to be paid only and not to be received, the transaction is abnormal, the funds are retained, the balance of the first account is reduced, and the balance of the second account is not increased. At this time, the funds transaction device determines that the transaction is abnormal, and obtains transaction-related information of the abnormal transaction.
In this embodiment, the transaction type refers to a type of a service scenario, and may include payment, transfer, payment, and the like, for example.
The source website identification for initiating the abnormal transaction refers to a website corresponding to the source of the abnormal transaction, and as in the above example, the first user handles the transfer service at the first website, if the transfer service is abnormal, the first website is the source website of the transfer service.
The initial account of settling of abnormal funds of abnormal transaction refers to the account of funds after abnormal transaction, as in the above example, the party a in the same city to be cleared cannot return the transaction amount to the first account, the abnormal funds are in the same-city-to-and-fro internal user A to be cleared, and the same-city-to-and-fro internal user A to be cleared is the initial account of hanging account where the abnormal funds are located.
Step 202, determining a target account corresponding to the abnormal funds according to the transaction type of the abnormal transaction.
Optionally, step 202, "determining the target account for hanging corresponding to the abnormal funds based on the transaction type of the abnormal transaction" refines includes steps 301 to 302.
Step 301, obtaining a first mapping relationship between a plurality of preset transaction types and a preset account.
Step 302, determining a preset account having a mapping relation with the transaction type of the abnormal transaction in the plurality of first mapping relations as a target account.
In this embodiment, the preset transaction types are mapped to preset account-setting accounts one by one, and the abnormal transactions of different transaction types correspond to different target account-setting accounts, and the same target account-setting account is only used for temporarily storing abnormal funds of a certain type of abnormal transaction. The plurality of first mapping relationships may be stored in the funds clearing device in advance, the funds clearing device may query in the plurality of first preset relationships with the transaction type of the abnormal transaction as a keyword, obtain a preset account for the transaction with the mapping relationship with the transaction type of the abnormal transaction, and determine the preset account for the transaction with the mapping relationship with the transaction type of the abnormal transaction as a target account for the transaction.
According to the abnormal transaction processing method provided by the embodiment, the preset account with the mapping relation with the transaction type of the abnormal transaction in the plurality of first mapping relations is determined as the target account, the abnormal transactions with different transaction types correspond to different target account, and the same target account is only used for temporarily storing abnormal funds of a certain type of abnormal transaction, so that the fund safety can be ensured. Meanwhile, when the staff processes the abnormal funds in the target account, the type of the abnormal transaction can be rapidly determined.
Step 203, clearing the abnormal funds from the initial account to the target account.
In this embodiment, the funds clearing device may debit the primary account of the account to be checked out according to the amount of the abnormal funds, deduct the transaction amount, and place the transaction amount into the target account of the account to be checked out.
In this embodiment, the funds clearing device clears the abnormal funds to the target account, so that when the account of the initial account is cleared, the staff can be prevented from inquiring abnormal transactions from missing to missing, and the account clearing processing efficiency is improved.
And 204, opening the processing authority of the target processing personnel corresponding to the source website to the target account, and informing the target processing personnel corresponding to the source website to process the abnormal funds.
In this embodiment, the target processor corresponding to the source node may be preset. The funds clearing device may determine the target processor corresponding to the source node based on the source node identification.
Optionally, before "the processing authority of the target processor corresponding to the source website to the target account is opened" in step 204, steps 501 to 502 are further included.
Step 501, obtaining a second mapping relationship between a plurality of preset website identifications and preset processor identifications.
Step 502, determining a preset processor identifier having a mapping relation with the source node identifier in the plurality of second mapping relations as an identifier of a target processor.
According to the abnormal transaction processing method provided by the embodiment, the target processor corresponding to the source network point and the source network point identifier are obtained to have the second mapping relation, and the preset processor identifier having the mapping relation with the source network point identifier in the second mapping relations is determined to be the identifier of the target processor, so that the funds clearing equipment can quickly determine the target processor, and further the processing speed of abnormal funds is improved. Meanwhile, if the source network point needs to modify the corresponding target processing personnel, only the second mapping relation needs to be modified, and different network points can set the corresponding target processing personnel according to the self situation.
In this embodiment, the funds clearing device may store the second mapping relationship between the plurality of preset website identifiers and the preset processor identifier in advance. The fund clearing device may query the source node identifier as a keyword in a plurality of second mapping relationships, obtain a preset processor identifier having a mapping relationship with the source node identifier, and determine the preset processor identifier having a mapping relationship with the source node identifier as the identifier of the target processor. Further, the funds-clearing device may determine the person corresponding to the identity of the target processing person as the target processing person.
In this embodiment, after determining the target processing personnel, the funds clearing device may directly open the processing authority of the target processing personnel to the target account, and notify the target processing personnel to process the abnormal funds, so as to avoid long-time retention of the customer funds. The processing rights of the target account are the processing rights to funds in the target account.
According to the abnormal transaction processing method provided by the embodiment, transaction related information of abnormal transactions is determined by responding to the occurrence of the abnormal transactions; the transaction related information comprises a transaction type, a source website identifier for initiating an abnormal transaction, and an initial account for hanging up the abnormal funds of the abnormal transaction; determining a target account corresponding to the abnormal funds according to the transaction type of the abnormal transaction; clearing the abnormal funds from the initial account to the target account; and opening the processing authority of the target processing personnel corresponding to the source website to the target account, and informing the target processing personnel corresponding to the source website to process the abnormal funds. When the transaction is abnormal, abnormal funds are cleared from the initial account to the target account, so that the abnormal funds cannot cause problems in account clearing of the initial account, the target account is used for processing the abnormal funds, after a target processor corresponding to a source website opens the processing authority of the target account, the risk of serious funds loss does not exist, meanwhile, staff is informed to process the account-clearing funds, the staff does not need to apply the authority, the abnormal funds can be processed rapidly, the processing speed of abnormal funds account-clearing is improved, the retention of the client funds is avoided, and the user experience is ensured.
Example two
Fig. 3 is a flowchart of an abnormal transaction processing method according to a second embodiment of the present application. As shown in fig. 3, in the method for processing an abnormal transaction provided in this embodiment, on the basis of the first embodiment, the transaction related information further includes an amount of the abnormal funds, and step 203 of "clearing the abnormal funds from the initial account to the target account" refines includes steps 401 to 403.
In step 401, the amount of the abnormal funds borrowed from the initial account is recorded in the accounting entry corresponding to the initial account.
In this embodiment, the accounting entry records the funds flowing in the internal accounts of the bank according to the duplex accounting principle, and each internal account of the bank must have equal amounts of borrowers in one accounting period, if abnormal funds stay in the initial account, the initial account will be checked out in the clearing process after the accounting period is finished. However, since the internal account of the bank involves a large amount of transaction clearing, if the account is checked out and needs to be processed, in order to ensure the fund security, a series of audits are usually required to be passed before the processing authority of the internal account is opened for the staff, which results in long processing time of the abnormal funds. And the funds transaction device can be used for performing debit processing on the initial account and performing credit processing on the target account after abnormal transactions occur, so as to clear abnormal funds from the initial account to the target account.
In step 402, the amount of the abnormal funds credited into the target account is recorded in the accounting entry corresponding to the target account.
In this embodiment, the transaction related information includes an amount of the abnormal funds, and the funds transaction device may record the amount of the abnormal funds by the initial account in the accounting entry corresponding to the initial account, and record the amount of the abnormal funds by the target account in the accounting entry corresponding to the target account.
Step 403, in response to the account funds balance of the initial account being reduced by the amount of the abnormal funds in the accounting entry corresponding to the initial account, and the account funds balance of the target account being increased by the amount of the abnormal funds in the accounting entry corresponding to the target account, the abnormal funds are successfully cleared from the initial account to the target account.
In this embodiment, if the account funds balance of the primary account is reduced by the amount of the abnormal funds in the accounting entry corresponding to the primary account, and the account funds balance of the target account is increased by the amount of the abnormal funds in the accounting entry corresponding to the target account, the funds clearing device is indicated to successfully clear the abnormal funds from the primary account to the target account.
According to the abnormal funds processing method provided by the embodiment, the amount of the abnormal funds is cleared from the initial account to the target account through the funds clearing equipment, so that errors of the initial account during clearing of the internal account can be avoided, and meanwhile, the target processor can directly process the abnormal funds in the target account, and account problems of the initial account caused by misoperation can be avoided.
Optionally, on the basis of any one of the foregoing embodiments, refining the processing permission of the target processing person corresponding to the open source website to the target account in step 204 includes step 601.
Step 601, sending a right opening instruction to the right management equipment so that the right management equipment opens the processing right of a target processor corresponding to a source website to a target account; the permission opening instruction comprises the identification of the target account and the identification of the target processing personnel.
In this embodiment, the rights management device is used to manage the processing rights of each internal account. The authority management device is in communication connection with the fund processing device, and after the fund management device determines the target processing personnel, the authority management device can send an authority opening instruction to the authority management device so that the authority management device opens the processing authority of the target processing personnel corresponding to the source website to the target account.
According to the abnormal transaction processing method, the authority opening instruction is sent to the authority management device, so that the authority management device opens the processing authority of the target processor corresponding to the source website to the target account. After transferring the abnormal funds to the target account, the authority management device opens the processing authority of the target processing personnel to the target account, and separates the funds clearing from the authority management, so that the funds safety can be better ensured, and the risk of funds loss can be reduced.
Optionally, on the basis of any one of the foregoing embodiments, the refinement of "notifying the target processor corresponding to the source node of processing the abnormal funds" in step 204 includes step 701.
Step 701, sending first transaction abnormality notification information to a first working device corresponding to a target processing person, so that the first working device notifies the target processing person to process abnormal funds; the first transaction anomaly notification information includes transaction-related information for the anomaly transaction and an identification of the target account for the posting.
In this embodiment, the first working device may be a working computer, a mobile phone, a smart watch, or the like of the target processor. The first transaction abnormality notification information may be sent to the first working device by means of a short message, a mailbox, or the like. After the first working device receives the first transaction abnormality notification, the first working device can display transaction related information of abnormal transactions and the identification of the target account, and prompt target processing personnel to process abnormal funds in a popup window, ringing and other modes.
According to the abnormal transaction processing method, the first transaction abnormal notification information is sent to the first working equipment corresponding to the target processing personnel, so that the first working equipment notifies the target processing personnel to process abnormal funds, and the processing authority of the target processing personnel on the target account is opened by the funds transaction equipment, so that the target processing personnel cannot delay the processing of the abnormal funds due to the problem of layer-by-layer authority after receiving the first transaction abnormal notification information, and the processing speed of the abnormal funds is improved.
Optionally, the step of "notifying the target processor corresponding to the source node of the processing of the abnormal funds" in step 204 further includes steps 801 to 802.
Step 801, determining a responsible person of the source network point according to the source network point identification.
In this embodiment, the fund clearing device may preset the responsible person information corresponding to each website, and may determine the responsible person corresponding to the source website according to the source website identifier. The responsible person of the source site may be the leader or manager of the target processor.
Step 802, sending second transaction abnormality notification information to a second working device corresponding to a responsible person of the source website; the second transaction anomaly notification information comprises transaction related information of the anomaly transaction, identification of a target account and identification of a target processor; the second transaction abnormity notification information is used for prompting a responsible person of the source website to notify a target processing person to process abnormal funds.
In this embodiment, the second working device may be a working computer, a working mobile phone, or the like of the responsible person of the source website, and the funds clearing device may send the second transaction anomaly notification information to the responsible person of the source website. And after the second work equipment receives the second transaction abnormality notification information, the second transaction abnormality notification information is displayed so that a responsible person of the source website can acquire the second transaction abnormality notification information. Furthermore, the responsible person of the source website can guide and supervise the target processing personnel to process the abnormal funds, and further improve the processing progress of the target processing personnel on the abnormal funds.
According to the transaction abnormity processing method, the second transaction abnormity notification information is sent to the second working equipment corresponding to the responsible person of the source website, so that the responsible person of the source website can guide and urge the target processor to process abnormal funds, and the processing progress of the target processor on the abnormal funds is further improved.
Optionally, on the basis of any one of the foregoing embodiments, the transaction-related information further includes a user identifier and a transaction error code that initiate an abnormal transaction, and after step 204, steps 901 to 902 are further included.
Step 901, obtaining an abnormality reason and a preset processing scheme corresponding to the transaction error code.
In this embodiment, when the funds transaction is abnormal, if the transaction is abnormal, the funds clearing device generates a transaction error code for misclassifying the cause of the transaction abnormality, and the funds clearing device may register the error code in the error register. Different error codes correspond to different abnormality causes and preset processing methods. For example, the abnormal cause of the transfer transaction failure may be a collection account error, the cause of the payment failure may be that the collection account is not at a preset collection time, etc. The preset treatment may be to withdraw funds to a user-designated account, or to retry the transaction after a preset time, etc. The preset processing scheme corresponds to different error codes and error reasons, and the fund clearing equipment can acquire the abnormal reasons and the preset processing scheme corresponding to the transaction error codes.
Step 902, sending third transaction anomaly notification information to user equipment corresponding to a user identifier initiating an anomaly transaction; the third transaction abnormality notification information comprises transaction related information of abnormal transaction, abnormality reasons and a preset processing scheme; the third transaction abnormality notification information is used to notify the user of a transaction abnormality.
In this embodiment, after notifying the target processor corresponding to the source website of processing the abnormal funds, the funds processing device may further send third abnormal transaction notification information to the user device corresponding to the user identifier of the abnormal transaction, so that the user may learn the transaction result in time, learn the cause of the abnormal transaction and the preset processing method of the bank, and improve the user experience.
According to the abnormal transaction processing method, the user can timely learn that the transaction is abnormal and learn the reason of the abnormality and the preset processing scheme by sending the third transaction abnormality notification information to the user equipment corresponding to the user identifier for initiating the abnormal transaction, so that user experience is improved.
Example III
Fig. 4 is a schematic structural diagram of an abnormal transaction processing apparatus according to a third embodiment of the present application. As shown in fig. 4, the abnormal transaction processing apparatus 40 provided in the present embodiment includes: an acquisition module 41, a determination module 42, a clearing module 43 and a notification module 44.
An acquisition module 41 for determining transaction-related information of an abnormal transaction in response to a transaction abnormality; the transaction-related information includes the transaction type, the source site identification that originated the abnormal transaction, and the initial account of hanging where the abnormal funds of the abnormal transaction are located.
A determining module 42, configured to determine a target account for hanging corresponding to the abnormal funds according to the transaction type of the abnormal transaction.
Clearing module 43 for clearing the abnormal funds from the primary account to the target account.
And the notification module 44 is used for opening the processing authority of the target processing personnel corresponding to the source website to the target account, and notifying the target processing personnel corresponding to the source website to process the abnormal funds.
Optionally, the determining module is specifically configured to:
acquiring a first mapping relation between a plurality of preset transaction types and a preset account;
and determining a preset account with a mapping relation with the transaction type of the abnormal transaction in the plurality of first mapping relations as a target account.
Optionally, the clearing module is specifically configured to:
recording the amount of the abnormal funds borrowed from the initial account in the accounting entry corresponding to the initial account;
in an accounting entry corresponding to a target account, recording the amount of abnormal funds credited into the target account;
and in response to the account funds balance of the initial account to be checked out being reduced by the amount of the abnormal funds in the accounting entry corresponding to the initial account to be checked out, and the account funds balance of the target account to be checked out being increased by the amount of the abnormal funds in the accounting entry corresponding to the target account to be checked out, and successfully clearing the abnormal funds from the initial account to the target account to be checked out.
Optionally, the abnormal transaction processing device further includes a second determining module, where the second determining module is configured to:
acquiring a second mapping relation between a plurality of preset website identifications and preset processor identifications;
and determining the preset processor identification with the mapping relation with the source network point identification in the second mapping relations as the identification of the target processor.
Optionally, the notification module is specifically configured to:
sending an authority opening instruction to the authority management equipment so that the authority management equipment opens the processing authority of a target processor corresponding to a source website to a target account; the permission opening instruction comprises the identification of the target account and the identification of the target processing personnel.
Optionally, the notification module is specifically further configured to:
sending first transaction abnormality notification information to first working equipment corresponding to the target processing personnel so that the first working equipment notifies the target processing personnel to process abnormal funds; the first transaction anomaly notification information includes transaction-related information for the anomaly transaction and an identification of the target account for the posting.
Optionally, the notification module is specifically further configured to:
determining a responsible person of the source network point according to the source network point identification;
sending second transaction abnormality notification information to second working equipment corresponding to a responsible person of the source network point; the second transaction anomaly notification information comprises transaction related information of the anomaly transaction, identification of a target account and identification of a target processor; the second transaction abnormity notification information is used for prompting a responsible person of the source website to notify a target processing person to process abnormal funds.
Optionally, the notification module is specifically further configured to:
acquiring an abnormality reason corresponding to a transaction error code and a preset processing scheme;
sending third transaction abnormality notification information to user equipment corresponding to the user identifier initiating the abnormal transaction; the third transaction abnormality notification information comprises transaction related information of abnormal transaction, abnormality reasons and a preset processing scheme; the third transaction abnormality notification information is used to notify the user of a transaction abnormality.
The abnormal transaction processing device provided in this embodiment may execute the abnormal transaction processing method provided in any one of the above embodiments, and specific implementation manner and principle are similar, and are not repeated here.
Example IV
Fig. 5 is a schematic structural diagram of a funds clearing apparatus according to a fourth embodiment of the present application. As shown in fig. 5, the funds clearing apparatus 50 provided in this embodiment includes: a memory 51, a processor 52 and a transceiver 53.
The memory 51, processor 52 and transceiver 53 are electrically interconnected.
The memory 51 stores computer-executable instructions.
The transceiver 53 is used for transmitting and receiving data.
The processor 52 executes computer-executable instructions stored in the memory 51 to implement the method for processing abnormal transactions according to any one of the embodiments, and the specific implementation manner is similar to the principle, and will not be described herein.
The memory 51, the processor 52 and the transceiver 53 may be interconnected by a bus. The bus may be an industry standard architecture (Industry Standard Architecture, abbreviated ISA) bus, an external device interconnect (Peripheral Component Interconnect, abbreviated PCI) bus, or an extended industry standard architecture (Extended Industry Standard Architecture, abbreviated EISA) bus, among others. The buses may be divided into address buses, data buses, control buses, etc. For ease of illustration, only one thick line is shown in fig. 5, but not only one bus or one type of bus.
The memory may be implemented by any type of volatile or nonvolatile memory device or combination thereof, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disk, and the like.
In an exemplary embodiment, the funds clearing device may be implemented by one or more Application Specific Integrated Circuits (ASICs), digital Signal Processors (DSPs), digital Signal Processing Devices (DSPDs), programmable Logic Devices (PLDs), field Programmable Gate Arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic elements for performing the abnormal transaction processing methods described above.
The embodiment of the present application further provides a computer readable storage medium, in which computer executable instructions are stored, where the computer executable instructions are used to implement the method for processing abnormal transactions provided in any one of the foregoing embodiments when executed by a processor, and the specific implementation manner is similar to the principle, and is not repeated herein. By way of example, computer readable storage media may be read-only memory, random-access memory, magnetic tape, floppy disk, optical data storage device, and the like.
The embodiments of the present application further provide a computer program product, which includes a computer program, where the computer program when executed by a processor implements the abnormal transaction processing method provided in any one of the foregoing embodiments, and the specific implementation manner is similar to the principle, and is not repeated herein.
It should be understood that the above-described device embodiments are merely illustrative and that the device of the present application may be implemented in other ways. For example, the division of the modules in the above embodiment is merely a logic function division, and there may be another division manner when actually implemented. For example, multiple modules may be combined, or may be integrated into another system, or some features may be omitted or not performed.
In addition, each functional module in each embodiment of the present application may be integrated into one module, or each module may exist alone physically, or two or more modules may be integrated together, unless otherwise specified. The integrated modules may be implemented in hardware or in software program modules.
It should be noted that, for simplicity of description, the foregoing method embodiments are all expressed as a series of action combinations, but it should be understood by those skilled in the art that the present application is not limited by the order of actions described, as some steps may be performed in other order or simultaneously in accordance with the present application. Further, those skilled in the art will also appreciate that the embodiments described in the specification are all alternative embodiments, and that the acts and modules referred to are not necessarily required in the present application.
It should be further noted that, although the steps in the flowchart are sequentially shown as indicated by arrows, the steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least a portion of the steps in the flowcharts may include a plurality of sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, the order in which the sub-steps or stages are performed is not necessarily sequential, and may be performed in turn or alternately with at least a portion of the sub-steps or stages of other steps or other steps.
Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.
It is to be understood that the present application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.
Claims (12)
1. An abnormal transaction processing method, applied to a funds clearing apparatus, comprising:
determining transaction related information of abnormal transactions in response to occurrence of the abnormal transactions; the transaction related information comprises a transaction type, a source website identification for initiating abnormal transaction and an initial account for hanging up abnormal funds of the abnormal transaction;
determining a target account corresponding to the abnormal funds according to the transaction type of the abnormal transaction;
Clearing the abnormal funds from the initial account to the target account;
and opening the processing authority of the target processing personnel corresponding to the source website to the target account, and informing the target processing personnel corresponding to the source website to process the abnormal funds.
2. The method of claim 1, wherein the determining the target account for the abnormal funds based on the transaction type of the abnormal transaction comprises:
acquiring a first mapping relation between a plurality of preset transaction types and a preset account;
and determining a preset account with the mapping relation with the transaction type of the abnormal transaction in the plurality of first mapping relations as a target account.
3. The method of claim 1, wherein the transaction-related information further includes an amount of abnormal funds; the clearing the abnormal funds from the initial account to the target account includes:
recording the amount of abnormal funds borrowed from the initial account in an accounting entry corresponding to the initial account;
recording the amount of the abnormal funds credited by the target account in the accounting entry corresponding to the target account;
And in response to the account entry corresponding to the initial account, reducing the account funds balance of the initial account by the amount of the abnormal funds, and in the account entry corresponding to the target account, increasing the account funds balance of the target account by the amount of the abnormal funds, and successfully clearing the abnormal funds from the initial account to the target account.
4. The method of claim 1, wherein before the target processor corresponding to the open source website processes the processing authority of the target account, further comprising:
acquiring a second mapping relation between a plurality of preset website identifications and preset processor identifications;
and determining the preset processor identification with the mapping relation with the source network point identification in the second mapping relation as the identification of the target processor.
5. The method of claim 4, wherein the opening the processing rights of the target processing person corresponding to the source website to the target account for hanging comprises:
sending an authority opening instruction to the authority management equipment so that the authority management equipment opens the processing authority of a target processor corresponding to a source website to the target account; the permission opening instruction comprises the identification of the target account and the identification of the target processing personnel.
6. The method of claim 1, wherein notifying the target processor corresponding to the source node of the abnormal funds comprises:
sending first transaction abnormality notification information to first working equipment corresponding to the target processing personnel, so that the first working equipment notifies the target processing personnel to process the abnormal funds; the first transaction anomaly notification information includes transaction-related information of an anomalous transaction and an identification of the target account for hanging.
7. The method of claim 6, wherein notifying the target processor corresponding to the source node of the abnormal funds further comprises:
determining a responsible person of the source network point according to the source network point identification;
sending second transaction abnormality notification information to second working equipment corresponding to a responsible person of the source network point; the second transaction anomaly notification information comprises transaction related information of an anomaly transaction, an identification of the target account and an identification of the target processor; the second transaction abnormity notification information is used for prompting a responsible person of the source website to notify the target processing personnel to process the abnormal funds.
8. The method of any of claims 1-7, wherein the transaction-related information further includes a user identification and a transaction error code that initiate an abnormal transaction; after the target processing personnel corresponding to the notification source website process the abnormal funds, the method further comprises the following steps:
acquiring an abnormality reason and a preset processing scheme corresponding to the transaction error code;
sending third transaction abnormality notification information to user equipment corresponding to the user identifier initiating the abnormal transaction; the third transaction abnormality notification information comprises transaction related information of abnormal transaction, the abnormality reason and the preset processing scheme; the third transaction abnormality notification information is used for notifying a user of transaction abnormality.
9. An abnormal transaction processing apparatus comprising:
the acquisition module is used for responding to abnormal transaction and determining transaction related information of abnormal transaction; the transaction related information comprises a transaction type, a source website identification for initiating abnormal transaction and an initial account for hanging up abnormal funds of the abnormal transaction;
the determining module is used for determining a target account corresponding to the abnormal funds according to the transaction type of the abnormal transaction;
a clearing module for clearing the abnormal funds from the initial account to the target account;
And the notification module is used for opening the processing authority of the target processing personnel corresponding to the source website to the target account, and notifying the target processing personnel corresponding to the source website to process the abnormal funds.
10. A funds clearing apparatus, comprising: memory, processor, and transceiver;
the memory, the processor, and the transceiver circuitry are interconnected;
the memory stores computer-executable instructions;
the transceiver is used for receiving and transmitting data;
the processor executes computer-executable instructions stored in the memory to implement the method of any one of claims 1 to 8.
11. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1 to 8.
12. A computer program product comprising a computer program for implementing the method of any one of claims 1 to 8 when executed by a processor.
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